We read your deposits, not your label.
Underwriting starts from four months of bank activity. Your NAICS code does not decide the answer. Your cash flow does.
Industries served · 13 verticals
Built for the operators we fund every day.
From corner restaurants to multi-location HVAC operators. We underwrite to your revenue and your cash-flow rhythm, not your category code.
The full directory
Every vertical we currently underwrite. One card per playbook.
Each card opens a focused page with the funding uses, eligibility realities, and example deal sizes for that industry.
Why industry matters
Generic underwriting misses the reality of your business.
A landscaper's winter dip is not a red flag. It is February. A staffing firm's weekly payroll against net-60 invoicing is not broken. It is the model. ICG underwriters know what normal looks like in every vertical we serve.
Seasonality is expected, not a flag.
Construction slows in winter. Retail spikes in Q4. We model the curve and structure repayment around it instead of penalizing it.
Approval rate runs near 3x bank average.
Because we underwrite to industry rhythm, the same business that gets a no from a bank often gets a yes here in the same week.
Ready when you are
See your options in minutes. Industry-specific from the first call.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.